Sense SuperApp: Online Bank UA

JOINT-STOCK COMPANY «SENSE BANK»

About this app

Sense Bank — an online bank that makes managing your finances simple.

Open a banking account in minutes, transfer money from card to card or via IBAN, make payments and pay utility bills, track your spending, and manage your business account — all in one app.

To open a card is easy:
• Complete identification through a video chat or the Diia app.
• Get a digital bank card instantly after opening an account, with free delivery of your physical card.

Sense Bank JSC is a state-owned bank of Ukraine and one of the largest banks in the country.

BANKING SERVICES

• Fast payments and transfers: card-to-card and via IBAN, QR payments.
• Utility payments and mobile top-ups with no fee.
• Money transfers to Ukrainian banks.
• International SWIFT transfers and currency exchange.
• Create templates for regular payments and transfers.
• “Drag & Drop” payments — send money even faster.
• “Collect Money” feature — split bills or gather funds for a group goal.
• Manage tokens and subscriptions.
• Financial Assistant — track spending by category and plan your budget.
• Account statements and receipts in a few taps.
• Apple Pay and Google Pay support.
• Intuitive, personalized banking interface.
• 24/7 customer support.

BANK CARDS

• Choose your card — debit, credit, premium, and business, as well as сo-brand cards “Vygoda” (Epicenter) and ATB
• Top up your card — easily, with no fees, via Sense Bank ATMs and terminals, or through EasyPay and City24 terminals

BANKING FOR FAMILIES

Sense Bank cards for your loved ones and kids — shared credit limit, family budget control, and more rewards.

CASHBACK

• Cash ’u Club bonus program, advanced cashback, and special cashback from our partners
• Withdraw bonuses as real money (1 bonus = 1 UAH)
• Invite a friend to Sense SuperApp — you and the new client both get 100 UAH cash back directly to your accounts.

YOUR BUSINESS

• Entrepreneurs:
Open a sole proprietor account and a digital business card in just a few minutes in the app. Pay taxes, transfer funds to your personal card and to other banks, make payments, open a foreign currency account, sell currency 24/7, and more.

DEPOSITS

• “Fast” — daily interest accrual.
• “Profitable” — bonus for renewal.
• “Savings” — flexible term of your choice.
• Mortgage — consultation and online application.

CREDIT PROGRAMS*

• Cash Loan* — apply directly in the Sense Bank app and get a decision instantly.
*The actual annual interest rate depends on the loan amount and term and may range from 24.6% (calculated for the maximum loan amount of UAH 300,000 for 24 months) up to 411.3% (calculated for the minimum loan amount of UAH 1,000 for 24 months).
• Instant Installment* — pay for purchases in equal parts from your Sense Bank card.
*Maximum loan amount — up to UAH 200,000 for a term of up to 24 months. The actual annual interest rate is 27.9% for 6 months and 51.8% for 24 months, subject to compliance with the "Instant Installment Plan" program terms.
• Easy Installment* — split payments for goods and services at our partner stores.
*Maximum loan amount - up to UAH 200,000 for a term of up to 24 months. The actual annual interest rate under the "Easy Installment Plan" program terms is 0.01% (for 3–24 months).

Sense SuperApp — your all-in-one online banking solution.
Manage your accounts and cards, make payments and transfers, open deposits, and perform currency operations — everything you need for everyday banking in one simple and secure app.

Sense Bank JSC. Registered in the State Register of Banks No. 158. Banking License of the National Bank of Ukraine No. 61 dated 01.12.2022.

Ratings and reviews

Horrible UI, non-working payment confirmations (updated: now it seems to be working), insane comissions and auto-enabled features (sms notifications) that you have to remember to disable, otherwise you will be charged extra. Upgraded to 1* From 900$ it charged 36$ comissions without ANY information about that + 12$ explucitly on google pay. I will not use sense bank service ever

Super unstable application, previous one was much better. Interface response is slow, quite often you can see "something went wrong". They say it is easy-to-use but in fact often it is hard to understand how you can perform some action. For example I have mobile icon on my desktop which was placed automatically but I would like to replace it with another one - I was not able to find how to do it.

Fails to send an SMS code to a GBR (+44) telephone number. When I contacted support via Chat, they were helpful, but the app reloaded, deleting the chat mid-way through.

What’s new

- New Cash’u Club design: your favourite cashback section is now even more convenient. Search for the best promotions, add stores to favourites and make donations to the AFU at the separate section.
- Foreign currency transfers between relatives: sending EUR or USD online between parents/children, husband/wife is free of any fees.
- Improved “Tasks from parents” for the TRY card: reward amount can be changed by kids or parents while approving the task or after completion.